Individual Services:
Investment Planning, Financial Planning, Estate Planning, Senior and Elder Care Planning, Life Insurance, Annuities and Long Term Care Insurance.

Business Investment and Tax Planning

Qualified Plans:
Profit Sharing, Money Purchase, Defined Contribution, Defined Benefit,
401(k), 403(b) and TSA (Tax Sheltered Annuities).

Non Qualified Plans:
419(a)(f)(6) and Deferred Compensation Plans.

Business Insurance Applications:
Custom Casualty, Life Insurance, Primary Disability, Group Insurance, key person insurance and buy/sell insurance.

Custom Business Tax Planning Relating To:
Sale of Assets, Business and Real Estate.

Personal Tax Planning Relating To:
Income Tax, Capital Gains Tax and Estate Tax.

Unique Solutions & Approaches to Investing:
Over the years, we have strived to provide unique opportunities to our clients with respect to investments. In addition to all the normal retail approaches, we have focused on developing relationships with some of the country's largest money managers to create Actively Managed No Load Portfolios. Currently, we offer many Actively Managed No Load Portfolios, from very conservative to very aggressive.

Actively Managed Portfolios:
The strategy of actively managing a portfolio allows us to move very quickly in and out of market sectors that are performing or not performing. It also allows us to be in or out of the market based on world events. With events like September 11 and war, we cannot afford to use the old theory of diversify, buy and hold. With the ability to move an entire portfolio very quickly, we can minimize the down side risk and maximize the up side potential. We build these portfolios using No-Load mutual funds as well as institutional money managers.

We use an independent custodian, that gives our clients the independent reporting they desire. The money management team is an independent firm made up of top money managers across the country. As with all successful projects, the team works with professionals in each area. This sets us apart!

We also offer many programs that provide and protect principal. These programs are excellent for the retired person or individual that needs the reliability of monthly, quarterly or annual income.

We offer many other value added services that a free consultation will be worth the time to discover.